i Follow up after my research. Married filing separately folks can make non deductible contributions to a Traditional IRA and convert it to a Roth and won't be bound to the $10k AGI limit. Also, MFS individuals who don't live together for an entire calendar year are both treated as "single" in regards to Roths and may both contribute using single filer income limits.

Just realize that "did not live with your spouse at any time during the year" is literal. Spending even one day living with your spouse disqualifies you from being treated as single. Living together in this case doesn't refer to your domicile or residence, but actually cohabitating at any location.

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